Articles Tagged withCar Accidents

Auto insurance in Massachusetts is not getting cheaper, so it may not be a great time to tell you to increase your UM/UIM coverage – but it’s important.

Here’s why: Auto insurance premiums have recently hit a national average of $1,427, according to The Washington Post. This is for a few different reasons, including catastrophic weather (which increases the number of crashes). However, as the Post reported, one’s college degree or credit score may actually have more bearing on how much your car insurance costs than your actual driving record, given the complex and often opaque formulas used by auto insurers. What this boils down to is that people who might really need insurance are going to either skimp on coverage, buying only the bare minimum required by law, or they aren’t going to buy any at all and take their chances getting caught.

The Insurance Information Institute reports that from 1992 to 2015, the estimated percentage of uninsured motorists nationally ranged somewhere between 16 percent and 13 percent. Florida had the highest rate of uninsured motorists (27 percent), while Massachusetts had one of the lowest (6.2 percent). Here, state law requires motorists carry a minimum:

According to a recent news article from the Boston Globe, firefighters had to cut a woman free from a mangled car in Duxbury, Massachusetts. Authorities have said the vehicle was carrying a 31-year-old mother, her husband, and their eight-month-old daughter at the time of the serious Boston area car crash.

While the exact cause of the accident is still under investigation, initial findings indicate the driver of the vehicle lost control and spun out before entering the woods. When the vehicle entered the woods, it was allegedly traveling at a high rate of speed and crashed into a tree. Continue reading